COGWare.OzowRefunds 1.0.2

Ozow (instant EFT) Transaction Refunds

Process refunds for transactions submitted via the Ozow Instant EFT payment gateway

Ozow Refunds: Worth Noting

• Before a merchant can process refunds, they must transfer funds into their Ozow refund float.
• When a refund is created on the Ozow platform, it is not processed in real-time. Ozow batches refund requests and submits to the banks. The banks also take some time to process the refund into the customer's account.
• Ozow does provide a means to query refunds, however, the NotifyUrl (included in the refund request object) is the best means of receiving the refund status notification.
• For convenience, this package includes a helper method (RefundHelper.ParseRefundNotification) to read the request body of the Ozow refund notification and return a strongly-typed object (RefundNotification).

Getting Started

Install this NuGet package and the Microsoft.Extensions.Logging.Abstractions package into your .NET Core 6 or .NET Framework 4.8 application.

Package Manager:
Install-Package COGWare.OzowRefunds -Version <version> Install-Package Microsoft.Extensions.Logging.Abstractions

CLI:
dotnet add package --version <version> COGWare.OzowRefunds dotnet add package Microsoft.Extensions.Logging.Abstractions

Add Config

Add the OzowRefunds.IsProduction key to your settings file, eg:
<add key="OzowRefunds.IsProduction" value="false" />

Usage

Submit an Ozow Refund (With logging):

    // Create your logger from the logging framework's extensions package (in this case, NLog)
    var logger = LoggerFactory.Create(builder => builder.AddNLog()).CreateLogger<Program>();

    logger.LogInformation("starting");

    try {
        RefundResult? refundResult = await OzowRefunds.RefundHelper.ProcessRefund(
            // An instance of the RefundConfig object containing details of the
            // Ozow entity that the original transaction was processed against.
            // These details are available in the Ozow Merchant Console. 
            new RefundConfig() {
                // Your merchant API key.
                ApiKey = "123xyz",
                // The merchant site code.
                OzowSiteCode = "123-XYZ-456",
                // Your merchant API secret.
                PrivateKey = "xyz123"
            },
            // An instance of a Refund object representing the refund to be processed.
            new Refund() {
                // The amount to be refunded.
                Amount = 1,
                // Your refund identifier.
                Id = "1",
                // Ozow can post the status of the refund to this URL once the
                // refund has been processed by the bank.
                NotifyUrl = "https://yournotification.url",
                // This will appear as the reference on the customer's bank statement.
                RefundReason = "<Merchant> refund",
                // The original (Ozow) transactionId of the payment.
                TransactionId = "987qwe654rty321uio"
            });

        // Checks the status of the refund against the API response codes to 
        // determine if the refund can be considered successful.
        if(refundResult!.IsSuccessful) {
            // Update the status of the refund in your refund system.
            Console.WriteLine("Refund processed successfully! " +
                "Your refund identifier: '" + refundResult.Id + "', " +
                "Ozow refund reference: '" + refundResult.RefundId + "'");
        } else {
            // Update the status of the refund in your refund system, optionally including the
            // errors for analysis and manual resolution (if necessary).
            Console.WriteLine("Refund ('" + refundResult.Id + "') failed: " +
                String.Join(";", refundResult.Errors!));
        }
    } catch(Exception ex) {
        Console.WriteLine("ERROR: " + ex.GetBaseException().Message);
    }

    logger.LogInformation("complete");

Submit an Ozow Refund (without logging):

Note: Even though you have opted not log, your project will still require a reference to Microsoft.Extensions.Logging.Abstractions.

    try {
        RefundResult? refundResult = await OzowRefunds.RefundHelper.ProcessRefund(
            // An instance of the RefundConfig object containing details of the
            // Ozow entity that the original transaction was processed against.
            // These details are available in the Ozow Merchant Console. 
            new RefundConfig() {
                // Your merchant API key.
                ApiKey = "123xyz",
                // The merchant site code.
                OzowSiteCode = "123-XYZ-456",
                // Your merchant API secret.
                PrivateKey = "xyz123"
            },
            // An instance of a Refund object representing the refund to be processed.
            new Refund() {
                // The amount to be refunded.
                Amount = 1,
                // Your refund identifier.
                Id = "1",
                // Ozow can post the status of the refund to this URL once the
                // refund has been processed by the bank.
                NotifyUrl = "https://yournotification.url",
                // This will appear as the reference on the customer's bank statement.
                RefundReason = "<Merchant> refund",
                // The original (Ozow) transactionId of the payment.
                TransactionId = "987qwe654rty321uio"
            });

        // Checks the status of the refund against the API response codes to 
        // determine if the refund can be considered successful.
        if(refundResult!.IsSuccessful) {
            // Update the status of the refund in your refund system.
            Console.WriteLine("Refund processed successfully! " +
                "Your refund identifier: '" + refundResult.Id + "', " +
                "Ozow refund reference: '" + refundResult.RefundId + "'");
        } else {
            // Update the status of the refund in your refund system, optionally including the
            // errors for analysis and manual resolution (if necessary).
            Console.WriteLine("Refund ('" + refundResult.Id + "') failed: " +
                String.Join(";", refundResult.Errors!));
        }
    } catch(Exception ex) {
        Console.WriteLine(ex.GetBaseException().Message);
    }

Response object:

RefundResult

An object representing the response from the Ozow API.

• Id: (String) - Your internal refund identifier.
• RefundId: (String) - The Ozow refund transaction identifer for this specific refund (null if there were errors).
• TransactionId: (String) - The original Ozow payment transaction identifier - a refund will be processed against this transaction.
• Amount: (Double) - The amount to be refunded.
• Errors: (List<String>) - An collection of errors returned when attempting to create the refund.
• IsSuccessful: (Boolean) - A flag indicating if the refund was successfully added.

Ozow Refund Notification:

When Ozow receives a refund status update from the bank, their services will attempt to send a status update notification to the NotifyUrl specified in the refund request. They will attempt this a few times - in case of errors.

Deserializing the Refund Notification

Pass the HttpRequest object to the helper method and stand back in awe and wonder 😛 as a strongly-typed object is returned:

    [HttpPost]
    [Route("Notify")]
    public async Task<OzowRefunds.Models.RefundNotification> Notify() {
        return await OzowRefunds.RefundHelper.ParseRefundNotification(this.Request);
    }

RefundNotification

• RefundId: (String) - The Ozow refund transaction identifer for this specific refund.
• TransactionId: (String) - The original Ozow payment transaction identifier - a refund will be processed against this transaction.
• CurrencyCode: (String) - The refund currency.
• Amount: (Double) - The amount that was refunded.
• Status: (Enum OzowRefundStatus) - An enum of statuses for the refund.
• Pending
• Complete
• Submitted
• Failed
• Cancelled
• Returned
• StatusDescription: (String) - A description to help clarify the meaning of the Status enum.
• StatusMessage: (String) - Message regarding the status of the refund. This field will not always have a value.
• BankName: (String) - Name of the bank that processed the refund to the customer.
• AccountNumber: (String) - Masked account number that the refund was paid into.
• Hash: (String) - SHA512 hash used to ensure that certain fields in the message have not been altered after the hash was generated.

Alternatively, use something similar to this:

    NameValueCollection ozowInput = HttpUtility.ParseQueryString(<request body goes here>); 

    string accountNumber = ozowInput["AccountNumber"];
    double amount = Double.Parse(ozowInput["Amount"]);
    string bankName = ozowInput["BankName"];
    string currencyCode = ozowInput["CurrencyCode"];
    string hash = ozowInput["Hash"];
    string refundId = ozowInput["RefundId"];
    string status = ozowInput["Status"];
    string statusMessage = ozowInput["StatusMessage"];
    string transactionId = ozowInput["TransactionId"];
                           

Check Refunds

Ozow provides the ability to query refunds by date submitted and status.
This package wraps this functionality and provides a list of refund objects for a given date and status (again, with optional logging):

     List<RefundListResult> refundListResult = await OzowRefunds.RefundHelper.GetRefunds(
            // An instance of the RefundConfig object containing details of the
            // Ozow entity that you wish to query for submitted refunds.
            // These details are available in the Ozow Merchant Console. 
            new RefundConfig() {                    
                // Your merchant API key.
                ApiKey = "123xyz",
                // The merchant site code.
                OzowSiteCode = "123-XYZ-456",
                // Your merchant API secret.
                PrivateKey = "xyz123"
            }, 
            // Date the refund was submitted to Ozow.
            DateTime.Now.AddDays(-7), 
            // Refunds in this status will be returned.
            OzowRefunds.RefundHelper.OzowRefundStatus.Complete, 
            // (optional) logger
            logger);

RefundListResult

• Id: (String) - The identifier for the refund.
• CreatedDate: (DateTime) - The date the refund was created.
• CreatedDateUtc: (DateTime) - The UTC date the refund was created.
• MerchantCode: (String) - Corresponding merchant code of the refund.
• SiteCode: (String) - Corresponding site code of the refund.
• SiteName: (String) - Corresponding site name of the refund.
• BankToName: (String) - Bank the refund was sent to.
• CurrencyCode: (String) - Refund currency.
• Amount: (Double) - Refund amount.
• StatementReference: (String) - Bank reference of the refund for the payer.
• Status: (String) - Refund status.
• ToAccount: (String) - Masked account number the received the refund.
• PaymentDate: (String) - Payment date of the refund.
• TransactionReference: (String) - Reference of the transaction which was refunded.
• Customer: (String) - Refunded transaction customer.
• LastEvent: (String) - Most recent log activity of the refund.
• CreatedBy: (String) - Name of the user who created the refund.

Logging:

Implements Microsoft.Extensions.Logging, so log away with any compatible logging framework,eg: NLog

Additional documentation

• What is Ozow?
• Ozow refund API documentation

Feedback

I welcome comments, suggestions, feature requests and even honest criticism 😃

• Github Repo
• Email: lance@cogware.co.za

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